Apartment buyers · Australia · General information only

The 5-second check for the levy figure buried in the strata papers.

Last checked against publicly available strata listing and scheme data sources on 2026-10-04.

When the quarterly levy notice lands and the number has jumped, the first question is always the same: why? Type in the levy you pay now and the levy they are proposing. The checker does the maths, tells you whether the rise is normal, worth questioning, or a shock, and hands you the questions to take to the general meeting. Free, instant, no sign-up.

The Levy Shock Checker is free and instant. The full forensic screen of a listing you are about to buy is A$129 one-off, AUD GST incl, pay per property, no subscription, with the written report delivered within 3 business days. General information only, not legal or financial advice.

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Applications to NSW Fair Trading's free strata mediation service rose 30% to 3,591 last financial year, with repairs and maintenance disputes up 44%. Source: NSW Government, September 2026.

Test mode: payments use Stripe TEST MODE and PayPal Sandbox, so no real money changes hands.

Written report in 3 business days, compiled by a human from publicly available data. No bots, no auto-generated filler.

General information only. Not legal or financial advice. One-off payment, no subscription.

General information only. Not legal or financial advice.

A$129AUD, GST incl · one-off per property
Written reportManual review, delivered in 3 business days
No subscriptionPay per property screened

How it works

The screen, built from the scheme's own paper trail

Every screen is assembled the same way: public data first, then a suburb benchmark, then a written file that says plainly what could and could not be sourced.

  1. Public data only

    Listing portals, advertised scheme budgets and meeting notices, and published strata guidance from NSW Fair Trading.

  2. Benchmarked against the suburb

    The scheme's reported levy trajectory is benchmarked against advertised levies for comparable schemes in the same suburb.

  3. Nothing estimated or filled in

    Every report states exactly what could and could not be sourced; nothing is estimated or filled in. Method checked .

Sample preview Illustrative placeholder

[Example] Levy-shock report, summary page (synthetic figures)

Quarterly levy, 2021: $4,200
Quarterly levy, 2026: $7,900
Trajectory vs suburb benchmark: +88%, abnormal
Special-levy risk signals: 2 found

Each report follows this format, then adds a capital-works fund health note and a checklist of questions for your conveyancer. These figures are synthetic and show the format only.

Method: checked against publicly available strata listing and scheme data and NSW Fair Trading strata guidance. Last verified . Questions: fairformco@gmail.com replies within one business day.

Procedure

Know the levy's direction before you commit

Pay A$129. Email us the listing. We do the forensic pass by hand. You get the written file: what looks normal, what looks abnormal, and the exact questions to put to your conveyancer.

Received

Pass 01

Pay, then email the listing

After payment you land on your report-request page. Email your receipt plus the listing link or property address, and the file opens.

Screened

Pass 02

A human runs the levy screen

A real person checks the scheme's reported levy trajectory against comparable benchmarks, then works through the special-levy risk signals and capital-works fund health proxies. No bots, no auto-generated filler.

Filed

Pass 03

Take the written file

A plain-English report in your inbox within 3 business days: normal vs abnormal, the red flags, and a checklist to hand your conveyancer or strata inspector before you commit.

How we built this

The screen works from publicly available data only: listing portals, advertised scheme budgets and meeting notices, and published strata guidance from NSW Fair Trading. Benchmarks compare the scheme's reported levy trajectory against advertised levies for comparable schemes in the same suburb. Every report states exactly what could and could not be sourced: nothing is estimated or filled in. Method checked 4 Oct 2026.

Exhibit A · the thing itself

The levy risk, in writing, before you buy

Every report follows one shape: the trajectory, the benchmark, the flags, the questions for your conveyancer. Below is the shape, with illustrative figures.

What causes a levy shock?

A levy shock is a sudden step-change in what you pay: a special levy or a deferred capital project landing all at once. It differs from levy drift, where levies rise faster than the suburb year after year. The usual triggers are insurance premium jumps, deferred maintenance catching up, and a capital works fund too thin for major repairs.

The purchase price is the headline. The levies are the plot twist, and they arrive after you have signed. A typical pattern the screen flags:

What the listing showed

Advertised purchase price$865,000
Stated quarterly levy$4,200
Implied yearly holding cost$16,800

Nothing here looked wrong. That is the problem.

What the trajectory showed

Levy, three years later$7,900 / quarter
Special levy, facade works$38,000 (lot share)
True yearly holding cost$31,600

The signals were in the scheme's history. Nobody showed them to the buyer.

For example: the figures above illustrate the report format. Real reports use the scheme's actual reported numbers.

Read before buying

Honest limits, stamped on the front

A screen is only useful if it says where it cannot see. These limits are printed in every report. The trust-first trade, and we accept that it costs us conversions.

Read first

What the report covers

  • Reported levy trajectory vs comparable benchmarks
  • Special-levy risk signals found in scheme history
  • Capital-works fund health proxies
  • Plain-English red flags for your conveyancer

What it does not do

  • Not a professional strata records search: always commission one through your conveyancer
  • Not financial, legal, or conveyancing advice
  • Cannot see private scheme records, only publicly available data
  • Does not guarantee future levy levels; coverage varies by state and scheme
  • Cannot confirm cladding or building-defect status: that needs a specialist building inspection, not a levy screen

Doing it free: you can request the strata records yourself through the selling agent and read two years of levy history line by line. It is free, it is slow, and it is written for lawyers. The screen exists for everyone who will not, or who wants the red flags translated first.

Honest alternatives, with their prices

Professional strata inspection reportExample: a service like Before You Buy. A strata inspector reviews the full records: financial health, current and planned special levies, disputes, minutes, by-laws, insurance, maintenance. Advertised turnaround on the provider's own site: 2 to 4 business days; cost varies with scheme size and complexity.
$250-450 per propertyadvertised range on the provider's own site, checked 4 Oct 2026; shared reports can be cheaper
bodycorporatefees.comCrowd-sourced fee comparison database with a free calculator. Shows real reported fees by suburb so you can see today's fee band for similar buildings.
Free
Do it yourselfRequest the strata records through the selling agent and read two years of levy history line by line, with free strata guidance from NSW Fair Trading. Free, slow, and written for lawyers.
Free

Where LevyLens sits: before all three. A one-off A$129 written screen of the levy trajectory and the special-levy risk signals, with a red-flag checklist for your conveyancer. It tells you which listings deserve the deeper and more expensive professional search.

Free help, no purchase needed

We sell general information. These services give actual advice about your situation, free.

  • NSW Fair Trading: strata and community living information, including levy and dispute guidance.
  • LawAccess NSW: free legal information and referrals for strata disputes.

Our deal with you

If this doesn't work, we stop.

We are testing LevyLens on real listings before asking anyone to trust it. Here is the pass mark, published:

The screen must surface a material levy risk in at least 3 out of 10 test reports. If it cannot, we retire the play and say so publicly.

No quiet fade-out, no pivot to something the test did not support. A pre-purchase screen that rarely finds anything worth flagging is not worth A$129, and we will not sell it as one. The result is stated publicly at the gate date.

Illustrative example

How someone might use this

Situation
A buyer is about to make an offer on an apartment and is unsettled by a levy figure in the listing that seems high for the building.
What they used
The free Levy Shock Checker on this page, then the A$129 forensic screen.
What happened next
They received the written file with the levy trajectory, suburb benchmark, and risk signals, and took its conveyancer checklist to their conveyancer before committing.

This is a hypothetical scenario showing how the product is used. It is not a customer review, not a testimonial, and not a promise of results.

Questions people ask before buying

Straight answers, including what the screen cannot do for you.

Still unsure? Email fairformco@gmail.com. A human replies within one business day.

Costs in 2026

What does a strata records search cost in Australia in 2026?

Before you buy an apartment, someone has to read the strata records: the levies, the minutes, the insurance, the disputes. A professional strata inspection report in Sydney or Melbourne typically costs A$250 to A$400 from a strata search company; a vendor-commissioned copy runs A$50 to A$100. Inspecting the records yourself is cheaper, about A$30 to A$40 for a DIY read, but it takes an afternoon and you need to know what to look for. The statutory inspection fee in NSW is A$60 for the first hour and A$30 per half-hour after that, current from 1 July 2025. The table below puts the LevyLens screen alongside the ways buyers actually pay to read the records.

ServiceTypical cost, 2026Source
Professional strata inspection report, Sydney/MelbourneA$250 to A$400OurTop10 strata report guide (updated 2026); Oliver & Co Conveyancing guide (2026). Links: ourtop10.com.au, oliverandcoconveyancing.com.au
DIY records inspection, NSWA$60 first hour, A$30 per half-hour afterNSW Fair Trading inspection fee, from 1 July 2025 (via propertygo.com.au)
LevyLens forensic screen, one propertyA$129, one-off, AUD GST incl.This page, fixed price

The screen is the early step: it tells you which listings deserve the deeper, and more expensive, professional strata search you still commission through your conveyancer. If the trajectory is clean and the capital works fund is healthy, you buy with confidence. If it is not, you walk away before the A$250-plus deep dive, or you go in armed with the right questions.

See the A$129 screen: what is included

The fee

One report, one price.

No subscription, no upsell ladder. You pay per property you screen.

Professional strata inspection

$250-450

Per property, advertised range on the provider's own site, checked 4 Oct 2026. The deep dive you still commission through your conveyancer.

LevyLens screen

A$129

One-off per property. The early screen that tells you which listings deserve the deeper (and more expensive) professional search.

Levy-shock report: one property

A$129 AUD, GST incl · one-off per property

For example: one quarter's levy in a Sydney scheme might be several hundred dollars, and a special levy can run into the tens of thousands. The screen tells you which listings deserve the deeper (and more expensive) professional strata search.
  • Levy trajectory screen against comparable benchmarks
  • Special-levy risk signals and capital-works fund health proxies
  • Written digital report, prepared manually, delivered within 3 business days of your report request
  • Explicit statement of where data was thin: never guessed

Refund position. Full refund where no material data can be sourced for your property: issued within 24 hours of the verdict, no arguments. No change-of-mind refunds. ACL consumer guarantees apply. See the refund policy.

This guide covers: One written digital report per property: levy trajectory against comparable benchmarks, special-levy risk signals, capital-works fund health proxies, plain-English red flags, and a checklist of questions to hand your conveyancer.

It does NOT cover: A professional strata records search, or financial, legal or conveyancing advice. It complements an inspection report; it never replaces one.

General information only. Not legal or financial advice.

Buy once. Free updates for 12 months when the source material changes.

Get the report · A$129

How this was checked. Every screen benchmark is checked against publicly available listing and scheme data; the methodology was last reviewed on 2026-10-04, last verified 2026-10-04. How we verify

Questions before buying? fairformco@gmail.com (replies within one business day).

An independent Australian publisher of compliance checklists. Terms · Privacy

✓ No material data for your property = full refund within 24 hours, no arguments.

Pay by card (Stripe) or PayPal · test mode, no real charge

General information only. Not legal or financial advice.

A$129 one-off per property, AUD GST incl., paid at checkout. Report prepared manually and delivered to your email within 3 business days of your report request.

File notes

Strata levy questions, answered straight

Q.01Is this financial advice?

No. LevyLens provides general information only: a pre-purchase screen of strata levy risk, not personal financial, legal or conveyancing advice. It does not assess your financial position or tell you whether to buy. For decisions about a purchase, speak with your conveyancer and a licensed professional.

The screen reads public data and flags risk patterns; the buying decision stays with you and your advisers.

Q.02Where does the data come from?

Publicly available listing and scheme data: advertised levies, listing histories and scheme-level records where they can be found. Coverage varies by state and by scheme. The report states explicitly where data was available and where it was thin, rather than guessing.

If a scheme leaves no public trail, the report says so plainly instead of inventing a verdict.

Q.03What if you can't find enough data for my property?

Then the report says so, plainly, and flags exactly what is missing so you know what to ask the agent or strata manager for. The policy is a full refund where no material data can be sourced, issued within 24 hours, with no arguments.

A thin-data verdict with named gaps is more useful than a confident guess built on nothing.

Q.04Does this replace a strata inspection report?

No, it complements one. Always commission a professional strata records search through your conveyancer before purchase. LevyLens is the early screen that tells you which listings deserve that deeper and more expensive look, so you spend the inspection fee where it counts.

Run the screen first, then order the full records search on the shortlisted properties.

Q.05Can't I just do this myself for free?

Yes. Request the strata records through the selling agent and read two years of levy history line by line: free, slow, and written for lawyers. The screen exists for everyone who will not do that by hand, or who wants the red flags translated into plain English first.

If you enjoy reading committee minutes, the DIY path is genuinely free and thorough.

Q.06Which states are covered?

The screen is designed Australia-wide, but data availability differs by state and by scheme. Strata terminology and record-keeping vary across jurisdictions. The report is upfront about any coverage gaps for your specific property, so you know exactly what the verdict rests on.

NSW schemes tend to leave the clearest public trail; thinner states get a thinner verdict.

Q.07When do I pay?

You pay A$129 (AUD, GST incl) at checkout, one-off per property. After payment you land on your report-request page: email your receipt plus the property details, and a person writes the report for you within 3 business days. If no material data can be sourced, you get a full refund within 24 hours of the verdict.

One property, one report, one payment: there is no subscription and no upsell.

Q.08What's the difference between a levy shock and levy drift?

Drift is a levy rising faster than the suburb year after year: expensive, but predictable. Shock is a sudden step-change: a special levy or a deferred capital project landing all at once. The screen flags both, but they are different risks with different remedies.

Drift erodes your budget; shock breaks it. Know which one you are looking at before you bid.

Q.09New to strata? Start here.

Your quarterly levy has two parts: the admin fund for day-to-day running, like insurance, cleaning and management, and the capital works fund for long-term repairs, like the roof, facade and lifts. A special levy is a one-off extra charge, usually for big repairs the capital works fund cannot cover.

Your share of each is set by your unit entitlement. The screen reads all three and translates what they mean for your budget.

Q.10What exactly do I get for A$129?

One written digital report for one property, prepared manually and delivered to your email within 3 business days of your report request. It covers the levy trajectory against comparable benchmarks, special-levy risk signals, capital-works fund health proxies, plain-English red flags, and a checklist of questions for your conveyancer.

Every report states explicitly where data was thin instead of guessing. One property, one report, one payment, no subscription.

Q.11How do I cancel my request?

Changed your mind before requesting the report? Email fairformco@gmail.com and you get a full refund, no arguments. Once the report has started, there are no change-of-mind refunds, but Australian Consumer Law guarantees still apply. The dividing line is the moment work begins on your file.

Request the report only when you are ready to proceed; the refund window closes when work starts.

Q.B1Who wrote this and why should I trust it?

An independent Australian publisher of compliance checklists. The screen is built from publicly available listing and scheme data, checked 2026-10-04, and every report states explicitly where data was thin instead of guessing. The product is the method, not a claim about any individual scheme.

The honest bit: if no material data can be sourced for your property, you get a full refund within 24 hours, no arguments.

Q.B2Why not just ask ChatGPT or read the strata records myself?

You can: request the records through the selling agent and read two years of levy history. It is free, slow, and written for lawyers. The screen translates the red flags first, for everyone who will not do that by hand, and a general AI cannot see the scheme records at all.

Use whichever path you will actually complete before auction day.

Q.B3Is this financial or legal advice?

No. LevyLens publishes general information: a pre-purchase screen, not personal financial, legal or conveyancing advice. It does not assess your situation or predict what a scheme will do. Always commission a professional strata records search through your conveyancer before purchase.

The screen narrows the field; your conveyancer and the records search close the deal.

Why did my strata levies go up so much?

The usual drivers are insurance premium jumps, deferred maintenance catching up, a capital works project starting, or the admin fund being run down and then rebuilt. The pattern LevyLens screens for is drift, levies rising faster than the suburb year after year, versus shock, a sudden step-change usually from a special levy or a deferred capital project.

General information only, not financial advice. The screen tells you which pattern your shortlisted property fits.

What is a special levy in NSW strata?

A special levy is a one-off strata charge the owners corporation votes at a general meeting to fund major capital works, such as facade or roof repairs, when the capital works fund cannot cover them. Lot shares can run to tens of thousands of dollars, which is why buyers check for one before committing.

LevyLens flags special-levy risk before you buy, using the levy trajectory and the scheme's works history. General information only.

Can I dispute a strata levy increase?

Levies are set by the owners corporation at a general meeting, so the main lever is voting: attend, question the budget, and vote against unjustified increases. If you believe the process was improper, an owners corporation decision can be challenged at the NSW Civil and Administrative Tribunal.

LevyLens does not dispute levies; it screens listings before you buy so the increase never becomes your problem. General information only, not legal advice.

Read the levies before you sign for the apartment.

One written report per property. A$129 (AUD, GST incl), paid at checkout. Report delivered within 3 business days of your report request.

Get the report · A$129

✓ No material data for your property = full refund within 24 hours, no arguments.

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General information only. Not legal or financial advice.

Contact

Questions? Get in touch.

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